HDFC ERGO Health Suraksha health insurance plan covers in-patient treatments, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and many such expenses incurred during treatment.
Title |
Description |
Additional Cover for Critical Illness |
Optional |
Ambulance Expenses |
Upto Rs.2000/3000 (as per Plan) |
Automatic Restoration of Sum Insured |
Yes (Optional) |
Co-Payment |
10%/20% Co- pay (Optional) |
Daily Hospitalization Allowance |
Yes, Optional |
Day Care Procedure Coverage |
144 procedures covered. |
Donor Expenses |
Pays for medical expenses for an organ donor's treatment in the event of organ transplantation |
Free Health Checkup |
Once after 4 claim free years |
ICU Daily Rent Limit |
Covered |
Medical Screening |
No Medical Check-up upto 45 years |
Minimum Hospitalization Period |
24 Hrs |
New Born Baby Cover |
Optional |
No Claim Bonus |
5% bonus on Sum Insured for every claim-free year |
Non-Allopathic Treatments |
Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy |
Nursing Allowance |
Covered |
Post Hospitalization Expenses |
90 days |
Pre-Existing Disease / Illness coverage |
After 48 months |
Pre-Hospitalization Expenses |
60 days |
Room Rent Limit |
No Sub-limits on any disease, room rent, hospital charges and doctor fees |
Waiting Period for New Policy |
30 Days |